01
Physical valuation
Gold purity, weight and deductions are checked at the counter before any loan is finalized.
Local family-owned finance company
Trusted gold loans for families and businesses in Tamil Nadu.
K.T. Capital was built by founder K. Iyyaudurai and is now led by Iwin Matthew, carrying forward more than 30 years of community trust with a modern, transparent branch experience.
30+Years in business
2Local branches
1 yearGold loan term
TNState law framework
A second-generation family business focused on secure gold loans, responsible operations and customer relationships.
Why customers visit us
Simple, secure branch-based gold loans
We focus on in-person evaluation, transparent documentation and safe custody of pledged gold.
02
Clear 1-year term
Loan structure is designed around a one-year term so customers can plan repayment and redemption.
03
Community trust
A family-run business serving the region for decades, now preparing for disciplined second-generation growth.
Gold loan process
Start an enquiry
From appraisal to redemption
Every loan starts at the branch and ends with the customer redeeming their pledged gold after repayment.
Bring gold and KYC
Visit the nearest branch with gold items and identity/address documentation.
Counter appraisal
Staff check net weight, purity and deductions before discussing the loan estimate.
Documentation
Loan terms, pledge details and customer obligations are recorded before disbursement.
Repay and redeem
After repayment, pledged gold is returned according to the agreed process and applicable law.
Calculate before visiting
Get an indicative estimate
Use the calculator with your daily rate and expected net weight. The counter appraisal remains final.
Open full calculatorBranches
Two local access points
Choose the branch that is most convenient for appraisal and documentation.